Yes but having been thru this with Hagerty , the cherish rider , which for me is 12 bucks a year added on, I don’t have to pay that 20 percent to buy it back, nor do they change the title to a salvage or rebranded. My polara was deemed a total loss in the fire I had in August of 2022, they sent a guy out, he appraised it, totaled it, I had a check 3 hours later, and got to keep the car with only thing being deducted being my 50 dollar comp deductible. And my title stayed free and clear